Doorstep loans from £300

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Morses Club
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Representative 498.34% APR
  • Manage your loan with our online app
  • No hidden fees or costs
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What is a doorstep loan?

Doorstep loans are a kind of personal loan that can be paid in cash or direct into your bank account.

If you have an unforeseen cost, then a doorstep loan could be an option.

You could get a doorstep cash loan and pay it back in weekly instalments.

As the name suggests, local agents collect repayments from the doorstep of your home. You can now also manage doorstep loans online or over the phone.

They are usually for a small amount that can be paid off in months, rather than years. Short term borrowing is not necessarily suitable for long term borrowing.

How do doorstep loans work?

Morses Club offer doorstep cash loans from £300 to £1000, and the application can be completed in minutes.

Once you're approved, a friendly local Morses Club agent will then be in touch to finalise the details.

We'll assess your individual financial circumstances by speaking to you in person. And we need to make sure you understand how your doorstep loan works.

Repayments are usually collected in person from your home each week. You can also repay through our Customer App or over the phone.

You can receive your loan in cash, have it paid into your bank account or loaded on to a Morses Club Card.

How do I apply for a doorstep loan?

You can apply for a doorstep cash loan of £300 to £1000 using our online application form.

You’ll get an initial decision in seconds. As to whether you have been approved in principle.

Morses Club are one of the UK's leading doorstep lenders. We have agents right across the UK – find out if there's one in your area.

Is a Morses Club loan right for me?

A Morses Club doorstep loan could be an option if you need to borrow a small amount over a short period.

They are an option if you're hit with an unexpected expense.

Our doorstep loans have a fixed interest rate, so you can see the full cost up front.

The current situation means that it's not always practical to see your agent in person, so there are now other ways that you can pay for and manage your loan.

Your agent can take payment over the phone, or contact the Morses Club Customer Service Team.

The Morses Club Customer App also allows you to make payments online.

4 reasons to choose Morses Club for doorstep loans

No hidden fees

No hidden fees

We don’t charge for missed or late payments, bounced cheques or defaulted card payments. You only pay back what you agree to when you take out your loan agreement.

No complicated forms

No complicated forms

We use clear language and everything about our loans are transparent.

Loans that work around you

Doorstep loans that work around you

Your loan is completed with you in your home with a Morses Club agent, and your money comes to you. Your repayments are collected from your home at a time that suits you each week.

Loans that start small

Our loans start small

Our loans start small - we offer cash loans from £300 to £1000.

Doorstep loans FAQs

Do I need to be a homeowner to apply for a doorstep loan?

No, you don’t need to own your home. We can help whether you are a homeowner or a private or housing association tenant.

Your doorstep loan can be tailored to your situation.

Does it matter if I have poor credit or CCJs?

As a responsible doorstep lender we try to help everyone, whatever their situation.

If you have County Court Judgements (CCJs) or a poor credit history you may still be considered for a doorstep cash loan.

As part of the process, we will undertake credit and affordability checks to assess your suitability.

Will I ever have to pay extra charges?

No, we don’t charge any missed or late payment fees.

If you are having difficulty making your doorstep loan repayments, your agent will work with you on an alternative payment plan.

Morses Club will always try to give you some extra breathing space if you need it.

How much can I apply for?

New customers can apply for a doorstep loan of between £300 and £1000 and make repayments spread over 35 weeks.

Do I need a bank account to apply for a doorstep loan?

You may not need a bank account to apply for a doorstep loan. The money can also be given to you in cash or loaded on to a Morses Club Card.

You can also make your repayments in cash. We have to complete some credit and affordability checks and we may need to see evidence of your income and outgoings.

Do you offer doorstep loans for people on benefits?

You can apply for a doorstep cash loan if you are receiving benefits, but we can't guarantee that you will be approved.

We are a responsible doorstep lender, which means making sure we offer you the right products for your circumstances.

Can I get a doorstep loan if I am unemployed?

If you are unemployed, then a doorstep loan may not be the best option for you.

As responsible doorstep lenders, we must ensure that we are offering you the right product.

You may be able to get a doorstep loan, but if you don't have a steady or predictable income you could struggle to meet the repayments.

If you know that you will be unable to make repayments, you should not apply.

Can I apply for a doorstep loan without a credit check?

No. As part of our assessment, we need to carry out checks with a credit reference agency.

But a bad credit rating does not mean that you won't be approved for a doorstep loan. We will still consider you even if you have a less-than-perfect credit history.